UK US

Terms & Conditions

Last updated: 25 July 2026

By using DebtSnowball.co.uk you agree to these terms. If you do not agree, please do not use the site.

Nature of the site — information, not advice

DebtSnowball.co.uk is an educational information and calculator service only. It is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated debt advice, debt counselling, debt adjusting, or any other regulated activity under the Financial Services and Markets Act 2000. Nothing on this site — including calculator results, guides, or comparisons — is a personal recommendation, and it must not be relied upon as advice about your individual circumstances or as a suggestion to take out, repay, or switch any specific product or provider. We do not recommend or endorse any lender, card, or debt-solution provider. For advice tailored to your situation, speak to a free debt-advice charity or an FCA-regulated adviser — see our Disclaimer.

Use of the site

The calculators and content are provided free of charge for personal, non-commercial use. You may not copy, republish, or resell the tools or content without permission.

No warranty

The site is provided "as is" without warranties of any kind. While we aim for accuracy, we do not guarantee that calculations are error-free or suitable for your circumstances. See our Disclaimer for more.

Liability

To the fullest extent permitted by law, DebtSnowball.co.uk is not liable for any loss arising from use of the site or reliance on its content. Nothing in these terms excludes liability that cannot be excluded under UK law.

Struggling with debt? Get free, impartial advice

These charities and services give free debt advice — you never have to pay for help.

Debt affecting your mental health?

Money worries can feel overwhelming. If you are struggling to cope, you are not alone — talk to someone now.

  • Samaritans · 116 123 (free, 24/7)
  • Mind · 0300 123 3393 (Mon–Fri 9am–6pm)

DebtSnowball.co.uk provides free educational information and calculators, not regulated financial advice. Calculator results are estimates for illustrative purposes only, based on the figures you enter, and should not be treated as financial advice. For advice tailored to your situation, speak to a free debt-advice charity above or an adviser regulated by the FCA. This site is supported by advertising; ads do not influence our editorial content.